Exclusively for UK Limited Companies & SPVs

Commercial Mortgages for UK Limited Companies

Access to 100+ UK commercial lenders with bespoke terms for corporate borrowers

Also explore:Bridging Loans•Development Finance•Buy-to-Let SPVs•Case Studies (£50M+)

What is a Commercial Mortgage?

A commercial mortgage is a secured business loan against property that is not used as your private residence. These facilities are structured for businesses purchasing or refinancing commercial premises—including offices, retail units, industrial warehouses, and mixed-use commercial properties. For an exhaustive breakdown of UK lending terms, read our Complete Guide to Commercial Mortgages in 2026.

Unlike residential mortgages, commercial facilities are tailored to corporate underwriting and typically offer:

Loan terms ranging from 3 to 25 years with flexible amortisation or interest-only profiles
Financing for up to 75% of property value (assess collateral with our Commercial Valuations Guide or model deposit tiers with our Commercial LTV Calculator)
Options for both owner-occupied trading businesses and corporate investment holding companies
Specialised underwriting based on EBITDA debt service and commercial lease covenants

At Commercial Mortgage Dealer, our matching engine evaluates your transaction against 100+ UK commercial lenders and debt funds to connect your company directly with active credit teams. You can model monthly servicing costs in advance using our Commercial Mortgage Calculator or review our recent £2.3M commercial property acquisition case study.

Why Use Our Commercial Mortgage Matching Platform?

The Single Bank Route

Limited to their own proprietary products only
Rigid lending criteria with zero flexibility
Slow credit committees taking weeks to respond
Decline applications that don't fit standard boxes
High rejection rates for SPVs and complex assets

The CMD Database Advantage

Access to 100+ commercial lenders across the UK
Algorithmic criteria matching to the best-fit lenders
Direct access to specialist lenders with proven asset sector track records
Handles complex SPV and multi-tenant commercial structures
Fast direct introductions without protracted broker chains
Zero upfront fees to search and match your requirement

Types of Commercial Mortgages

We arrange financing for a wide range of commercial property types and purposes:

Owner-Occupied Commercial Mortgages

For businesses purchasing premises to operate from. These mortgages typically offer favorable terms as lenders consider both the property value and the strength of your business. If your company is acquiring its first trading freehold, consult our First-Time Commercial Property Buyer's Guide for deposit thresholds and step-by-step guidance.

Commercial Investment Mortgages

For investors purchasing property to let to third-party businesses. These are assessed primarily on the rental income the property will generate. Review our latest sector analysis in the Commercial Property Investment 2026 Market Outlook to evaluate prime yields, or budget acquisition taxes using our Commercial Stamp Duty Calculator.

Semi-Commercial Mortgages

For mixed-use properties that combine commercial and residential elements, such as a shop with a flat above. Model combined commercial and residential rent splits with our interactive Semi-Commercial Mortgage Calculator.

Commercial Remortgages

For refinancing existing commercial property loans to release equity, secure better rates, or consolidate debt. Model capital extraction up to 75% LTV with our Commercial Remortgage Calculator.

Our Commercial Mortgage Process

1. Online Criteria Submission

Submit your LTD company details, property asset class, and funding requirement in under 2 minutes.

2. Database Criteria Matching

We analyse your deal parameters against our whole-of-market database of 100+ UK commercial lenders to match your scenario with active lending appetite.

3. Specialist Introduction

Your enquiry is routed directly to the optimal commercial lender's credit desk, eliminating slow middleman layers.

4. Terms Issued & Completion

Indicative terms and formal loan offers are delivered swiftly, followed by legal completion and drawdown.

Frequently Asked Questions

How much deposit do I need for a commercial mortgage?

Typically, you'll need a minimum deposit of 25-30% of the property value, though this can vary depending on the lender, property type, and your business circumstances. Explore full deposit benchmarks in our Complete Guide to Commercial Mortgages.

What are the typical interest rates for commercial mortgages?

Commercial mortgage rates typically range from 3% to 7% above base rate depending on loan-to-value ratio, asset quality, and company accounts. Test different interest rates and loan terms instantly using our free Commercial Mortgage Calculator.

How long does it take to arrange a commercial mortgage?

The process typically takes 6-12 weeks from application to completion, though indicative terms can be issued in as little as 48 hours. If you face tight completion deadlines or auction deadlines, consider a short-term bridging loan facility to secure the asset first.

What documents will I need to provide?

You'll typically need to provide business accounts for the last 2-3 years, bank statements, proof of ID and address for directors, details of the property, and a business plan. Discover top ways to prepare your file in our guide on How to Improve Your Mortgage Application.

Are commercial mortgages regulated by the Financial Conduct Authority (FCA)?

Commercial mortgages and commercial finance arranged strictly for corporate entities (UK registered Limited Companies, LLPs, and corporate SPVs) are unregulated by the Financial Conduct Authority (FCA) under the Financial Services and Markets Act 2000 (Regulated Activities Order 2001, Article 61 corporate borrower exemption). Commercial Mortgage Dealer operates as an independent debt matching platform for corporate borrowers and does not arrange regulated consumer mortgages for individuals or sole traders.

Knowledge & Supporting Tools